Head of Credit Review 1

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Job Description

Job Responsibilities

* Oversee and direct all aspects of the credit review process, including the evaluation of creditworthiness, analysis of financial statements, and assessment of credit risk for various loan portfolios.
* Develop, implement, and continuously refine credit policies and processes to ensure compliance with regulatory requirements and best practices, enhancing the bank's credit risk management framework.
* Lead and mentor a team of credit analysts, fostering a culture of high performance, continuous learning, and customer centricity.
* Monitor key credit risk indicators and trends, providing timely and accurate reports to senior management and relevant committees.
* Collaborate closely with business units to understand their credit needs and ensure credit review processes support business objectives while maintaining prudent risk appetite.
* Conduct in-depth credit analysis of complex and high-value credit facilities, making recommendations on loan structuring and approval.
* Identify and assess potential cybersecurity risks impacting credit operations and collaborate with relevant departments to implement mitigation strategies.
* Manage debt management strategies for problematic loans, working to minimize losses and optimize recovery efforts.
* Stay abreast of industry trends, economic conditions, and regulatory changes affecting credit risk and adapt credit strategies accordingly.
* Effectively communicate credit review findings, recommendations, and policy updates to stakeholders using digital communication channels where appropriate.

Job Qualifications

* Demonstrated experience in a senior leadership role within credit risk management or credit review, preferably within a large financial institution.
* Strong business acumen with a deep understanding of banking operations, financial products, and market dynamics.
* Expertise in credit analysis, financial statement analysis, and credit score methodologies.
* Comprehensive knowledge of credit policies, credit processes, and best practices in credit risk management.
* Proven ability to identify, assess, and manage various types of credit risks.
* Experience in debt management and recovery strategies.
* Excellent customer centricity with the ability to balance risk management with business needs.
* Understanding of cybersecurity principles as they relate to financial operations.
* Exceptional teamwork and leadership skills, with a track record of building and developing high-performing teams.
* Strong adaptability to changing business environments and regulatory landscapes.
* Excellent written and verbal digital communication skills for effective stakeholder engagement.

We're committed to bringing passion and customer focus to the business.

If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us.